How to spend $500

His story: "What I do with the tax credit depends on how it's paid out. If it's a lump sum, I'll put it away, since I am in the process of saving to buy a different vehicle.

If it's in dribs and dabs - $10 to $20 extra in a paycheck over a year, as has been proposed - I likely won't notice I am getting it. A $20 extra per month most likely will end up in the oil companies' hands as they jack up prices.

I question whether spreading $500 over a year is going stimulate much extra spending. The $600 dollar rebate from last year created an uptick for just a month or two -- and this one will be less money. It seems like the individual is being thrown a bone, while billions of dollars are going to businesses." - as told to Julianne Pepitone

NEXT: Won't receive one: Income above $150,000